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Hello
This is my first post here forgive me if it's in the wrong section.
I'm in a bit of a mess & need some advice. I have recently come out of a controlling relationship & find myself with information about my finances I do not like.
I have a mortgage with Halifax that is currently in 2 months of arrears. I am not paying anything back towards these as I did not know this was the case. Ex partner kept all finances from me.
I also have a second charge mortgage which is up to date with no payments missed. This was taken out to help with paying off debts after loss of income.
My credit rating is terrible with two satisfied CCJ's & a number of defaults from catologues & payday loans. Again these are in my name but I was totally unaware of them. All this has come to light since I've left my abuse & controlling partner.
I have now come to the end of a fixed term deal with the Halifax & I wondered what my chances were of getting a new deal for a fixed rate.
Would I be able to get a new mortgage that would cover both the first mortgage & second charge to reduce my payments?
Some of the defaults would be dropping off in 2018 am I best just waiting until then?
My house is worth £95000 & I owe £57000 overall. I'm paying an extortionate amount out each month for both Halifax & second charge (£598) I'm paying these both monthly & haven't missed a payment in the months I have been alone. I'm frightened to contact Halifax as the arrears date back from 2 years ago (god knows what the arrears charges will be) I'm also really worried that the second charge mortgage balance is going up not down due to what I can only guess is interest increase.
Would a broker be able to help me secure a new mortgage & reduce my payments? I am in full time employment earning £27000 a year. I have no dependants & no car finance I do not have any credit cards either. I'm hoping this all makes sense.

Speak to the lender about the arrears. Now that you are aware of the situation it's best to get it sorted as soon as possible. I know it's scary as they are dating back 2 years, but if you explain the situation to the lender they may be able to help. Usually product retentions don't require a credit check but the arrears may hold you back depending on halifaxs policy

Mortgage co-ordinator for a building society

I carry out affordability assessments for new and existing customers.
I update customers during the application when they call, letting them know where things are at.
I also answer existing mortgage queries.

I dont think halifax would offer you anything until you have cleared the arrears, they may not even offer you anything for a while once you have cleared them.

There may be other lenders but with those arrears still current, I think it could be a while before you have options elsewhere.

Priority should be to clear the arrears and then speak to someone about what can be done.

I am a Mortgage Adviser

You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.

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